Kirkwood Bank & Trust Co. Mortgage Lending & HMDA Data, 2017
In 2017, Kirkwood Bank & Trust Co. of Bismarck, ND reported 178 mortgage applications totaling $35.8 million, down 29% from 2016. The average application was for $201,073, and applicants reported an average income of $100,286. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Bismarck, ND (121), Fargo, ND-MN (2) and Grand Forks, ND-MN (2) (applications in parentheses).
| Mortgage Company & Address | Kirkwood Bank & Trust Co. 2911 N 14th Street Bismarck, ND 58503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 178 |
| Total Mortgage Loan Application Amount | $35,791,000 |
| Average Mortgage Loan Application Amount | $201,073 |
| Highest Mortgage Loan Application Amount | $510,000 |
| Average Applicant Income | $100,286 |
| Highest Applicant Income | $393,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kirkwood Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Burleigh, North Dakota | 88 | $ 18,563,000 | $ 210,943 | $ 103,000 |
| Morton, North Dakota | 31 | $ 5,244,000 | $ 169,161 | $ 85,000 |
| Stark, North Dakota | 14 | $ 2,361,000 | $ 168,642 | $ 95,000 |
| Mercer, North Dakota | 8 | $ 2,389,000 | $ 298,625 | $ 143,000 |
| Ward, North Dakota | 6 | $ 845,000 | $ 140,833 | $ 45,000 |
| McLean, North Dakota | 5 | $ 724,000 | $ 144,800 | $ 94,000 |
| Burke, North Dakota | 3 | $ 300,000 | $ 100,000 | $ 85,000 |
| Kidder, North Dakota | 3 | $ 560,000 | $ 186,666 | $ 49,000 |
| McHenry, North Dakota | 3 | $ 678,000 | $ 226,000 | $ 72,000 |
| Hennepin, Minnesota | 2 | $ 688,000 | $ 344,000 | $ 133,000 |
| Clark, Nevada | 2 | $ 525,000 | $ 262,500 | $ 149,000 |
| Cass, North Dakota | 2 | $ 515,000 | $ 257,500 | $ 136,000 |
| Grand Forks, North Dakota | 2 | $ 494,000 | $ 247,000 | $ 88,000 |
| Oliver, North Dakota | 2 | $ 227,000 | $ 113,500 | $ 70,000 |
| Juneau, Alaska | 1 | $ 226,000 | $ 226,000 | $ 78,000 |
| Box Butte, Nebraska | 1 | $ 109,000 | $ 109,000 | $ 98,000 |
| Golden Valley, North Dakota | 1 | $ 340,000 | $ 340,000 | $ 115,000 |
| Ramsey, North Dakota | 1 | $ 256,000 | $ 256,000 | $ 212,000 |
| Walsh, North Dakota | 1 | $ 68,000 | $ 68,000 | $ 244,000 |
| Williams, North Dakota | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Lawrence, South Dakota | 1 | $ 424,000 | $ 424,000 | $ 272,000 |
Mortgage Loan Application Detail Totals for Kirkwood Bank & Trust Co. in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 105 | $20,919,000 | $199,000 | $500,000 | $97,000 | $370,000 |
| Refinancing | 66 | $14,260,000 | $216,000 | $510,000 | $103,000 | $393,000 |
| Home Improvement | 7 | $612,000 | $87,000 | $250,000 | $124,000 | $370,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 163 | $32,782,000 | $201,000 | $510,000 | $107,000 | $393,000 |
| Not applicable | 8 | $1,258,000 | $157,000 | $410,000 | $0 | $0 |
| Hispanic | 5 | $1,177,000 | $235,000 | $424,000 | $62,000 | $107,000 |
| American Indian or Alaskan Native | 1 | $365,000 | $365,000 | $365,000 | $110,000 | $110,000 |
| Asian | 1 | $209,000 | $209,000 | $209,000 | $91,000 | $91,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 138 | $27,634,000 | $200,000 | $500,000 | $108,000 | $393,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,734,000 | $162,000 | $289,000 | $60,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 14 | $4,086,000 | $291,000 | $510,000 | $101,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $337,000 | $112,000 | $205,000 | $59,000 | $80,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 146 | $28,275,000 | $193,000 | $510,000 | $103,000 | $393,000 |
| Application Withdrawn By Applicant | 22 | $5,276,000 | $239,000 | $424,000 | $87,000 | $206,000 |
| Application Denied By Financial Institution | 10 | $2,240,000 | $224,000 | $424,000 | $89,000 | $151,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kirkwood Bank & Trust Co.'s 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Kirkwood Bank & Trust Co.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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